Advances in information technology have driven the transformation of health services towards digitalization, one of which is through the Mobile JKN application provided by BPJS Kesehatan. This study aims to analyze the level of satisfaction of the Medan City community with the online registration process using the Mobile JKN application. The research method used is a descriptive quantitative approach with a purposive sampling technique on 100 respondents who meet the criteria: domiciled in Medan City, aged over 17 years, and have used the Mobile JKN application. Data were collected through a closed questionnaire based on a Likert scale covering aspects of ease of use, speed of service, clarity of information, and general satisfaction. The results showed that the majority of respondents were satisfied with the ease of access and speed of registration through the application, although there were still technical obstacles and lack of information felt by some users. These findings can be the basis for improving the digitalization system of health services, especially in optimizing features and delivering information on the Mobile JKN application.

Digital transformation in the public sector through the implementation of e-government offers significant opportunities to enhance transparency and citizen engagement. This study analyzes the impact of digital transparency on public trust and citizen participation in Southeast Asia, focusing on Indonesia, Malaysia, and Thailand. A conceptual model was developed based on three main theories: Digital Transparency Theory, Institutional Trust Theory, and Digital Divide Theory. The research adopts a Design Science Research approach, utilizing both quantitative and qualitative methods. Data were collected through a survey of 600 respondents and in-depth interviews with 15 key stakeholders. The analysis was conducted using Structural Equation Modeling (SEM-PLS) with SmartPLS 4.0. The results indicate that digital transparency has a significant effect on public trust (? = 0.624), which in turn increases citizen participation (? = 0.538). Government reputation serves as a positive mediator (? = 0.293), while the digital divide acts as a negative moderator (? = -0.146), hindering the effectiveness of transparency in areas with limited digital access. These findings underscore the need for digital literacy strategies and the design of more inclusive e-government systems. The study provides both theoretical and practical contributions to understanding the dynamics of e-government in developing countries and promotes sustainable citizen engagement through equitable digital transparency approaches.

The use of Artificial Intelligence (AI) in digital marketing is rapidly expanding, enabling highly personalized strategies for consumers. However, this advancement also raises serious concerns about data privacy, especially amid varying regulations such as the GDPR (Europe), CCPA (United States), and local policies across Southeast Asia. This study examines how AI technologies like Natural Language Processing (NLP) and predictive analytics can adaptively balance personalization with privacy protection. It also explores the emotional dimension of consumer responses—particularly trust and anxiety—and how these emotions shape perceptions of digital marketing strategies under different regulatory contexts. A mixed methods approach was employed, combining survey data from 400 respondents across three regions and in-depth interviews with 20 extreme-case participants. The analysis utilized tools such as SmartPLS, NVivo, and visual platforms like Tableau AI and MonkeyLearn. Findings reveal that limiting the collection of sensitive data can increase consumer acceptance by up to 23% without compromising marketing effectiveness. Consumer trust emerged as a key mediating factor, while anxiety amplified the demand for transparency. In Southeast Asia, incentive-based strategies were found to be 35% more effective than regulatory approaches. These findings underscore the importance of integrating technological, emotional, and cultural dimensions when designing ethical and context-aware digital marketing strategies.

This study aims to analyze the use of Information and Communication Technology (ICT) in history learning at Madrasah Aliyah Darul Hikmah Tawangsari. The background of this study is based on the rapid development of ICT in the era ofe the industrial revolution 4.0 which has an impact on the education sector, especially in Islamic boarding school-based institutions. Thisc study usesa a qualitative descriptive method with data collection techniques in the form of observation, interviews, and documentation. The results of the study indicate that the Darul Hikmah Islamice Boarding Schoole has succeeded in integrating ICT into history learning through the preparation of a Learning Implementation Plan (RPP), preparation ofe learning media, and implementation of ICT-based learning. The application of ICT has been proven to increase students' interest, activeness, and understanding of history material. This study provides an overview of the strategy of ICT integration in history learning in the Islamic boarding school environment and its positive implications for the quality of learning.
 
 

Strengthening character at the elementary school (SD) level has a very important role in forming moral and ethical foundations for students. One approach that can be used to strengthen student character is through a habituation program. This research aims to determine the effect of the habituation program on strengthening the character of students at SDN No. 67 East City Gorontalo City. The type of research used is quantitative research with a non-experimental (correlational) research design. The population in this study were all students in grades I-VI of SDN No. 67 East City of Gorontalo, namely 140 people. The sample in this study were students of class IV-VI of SDN No. 67 East City, totaling 62 people. The results of the research show that there is an influence of the habituation program on strengthening the character of students at SDN No. 67 East City, Gorontalo City, meaning that the better the way the program is managed and implemented, the greater the influence it will have on strengthening character. The influence of the habituation program on strengthening students' character reached 38.8%, the remaining 61.2% was influenced by other factors.

This research aimed at finding out the effect of Quantum Learning model toward student self-confidence in Social Science learning at Islamic Junior Hight School of Al-Muttaqin Pekanbaru. Two classes, IX.C (experimental) and IX.G (control), were chosen using purposive sampling and a quantitative quasi-experimental design. Observation, surveys, and documentation were used to gather data, and Excel and SPSS 25 were used to analyze the results using t-tests, effect size, and N-Gain. Results indicated that the experimental group's self-confidence (mean = 86.76) was significantly higher than that of the control group (mean = 80.38), with a p-value of 0.000 (< 0.05), a moderate effect size of 0.51, and an N-Gain of 42.33% (moderate) vs 10.66% (low). These results attest to the Quantum Learning model's efficacy in raising students' self-convidence.

This research aims to analyze the integration of artificial intelligence (AI) in Islamic Religious Education (PAI) learning based on emotional intelligence (EQ) in elementary schools in order to increase the effectiveness of adaptive and characterful learning. This study focuses on the use of AI to personalize teaching materials, strengthen spiritual values, and develop students' empathy and social skills through an EQ-based approach. The method used is literature study by analyzing various sources such as journals, books and articles related to AI, PAI and EQ-based learning. The research results show that AI integration can facilitate interactive and enjoyable learning, while the EQ approach strengthens students' internalization of religious and emotional values. However, its success depends on collaboration between technology, teachers and a curriculum oriented towards the holistic development of children. 

Penelitian   ini   bertujuan   untuk   menganalisis   manajemen   pembiayaan   pendidikan   sebagai   salah   satu   komponen   penting   dalam   keberlangsungan   dan   peningkatan   mutu   pendidikan.   Pembiayaan   pendidikan   mencakup   seluruh   proses   perencanaan,   pelaksanaan,   pengawasan,   dan   evaluasi   pengelolaan   dana   pendidikan   agar   dapat   digunakan   secara   efektif   dan   efisien.   Metode   yang   digunakan   dalam   penelitian   ini   adalah   studi   kualitatif   dengan   pendekatan   deskriptif-analitis,   berdasarkan   telaah   literatur   dan   data   sekunder   dari   berbagai   sumber   terkait   kebijakan   dan   praktik   pembiayaan   pendidikan   di   Indonesia.   Hasil   analisis   menunjukkan   bahwa   tantangan   utama   dalam   manajemen   pembiayaan   pendidikan   meliputi   ketimpangan   distribusi   dana,   transparansi   penggunaan   anggaran,   serta   keterbatasan   kapasitas   manajerial   di   tingkat   satuan   pendidikan.   Diperlukan   strategi   peningkatan   tata   kelola   keuangan,   penguatan   akuntabilitas,   dan   kolaborasi   antarpemangku   kepentingan   untuk   memastikan   bahwa   pembiayaan   pendidikan   dapat   mendukung   pencapaian   tujuan   pendidikan   nasional   secara   berkelanjutan.

The primary measure of Bank Syariah Indonesia's success in its mission to compete on a worldwide scale is the company's performance.  Credibility and public curiosity are piqued by good performance.  Customers are more likely to have faith in a bank with a high Return On Assets (ROA), which measures how profitable the institution is.  In order to determine what factors affect ROA, this research will look at the following ratios: Capital Adequacy Ratio (CAR), Operating Expenses to Operating Income (BOPO), Non-Performing Financing (NPF), and Financing to Deposit Ratio (FDR).  This study makes use of secondary data culled from Bank Syariah Indonesia's quarterly financial reports covering the years 2018–2023.  Multiple liear regression was used to carry out the study.  According to the findings, ROA is considerably impacted by CAR, BOPO, NPF, and FDR all at once.  Partially, however, CAR and FDR do not affect ROA much, although BOPO and NPF do.  

This study aims to analyze the impact of online learning on students' learning independence at the secondary school level. The research is motivated by the significant shift in the education system due to the pandemic, which required students to adapt to technology-based distance learning. A descriptive qualitative approach was employed, utilizing data collection techniques such as observation, interviews, and documentation, supported by quantitative questionnaires from previous studies. The findings indicate that online learning has both positive and negative effects on students' learning independence. Positive impacts include increased student responsibility in completing assignments, ease of accessing learning materials anytime and anywhere, and enhanced parental involvement in supporting their children's learning at home. However, negative effects were also identified, such as students' tendency to engage excessively in gaming, reduced effectiveness of the learning process, and delays in task submission due to workload accumulation. Regression analysis results show a significant influence between online learning and learning independence, although the effect is moderate to low in some cases. Factors such as learning motivation, self-efficacy, and the support of the online learning environment play crucial roles in shaping student independence. The study recommends collaboration among government, schools, teachers, parents, and the wider community to improve the quality and quantity of online learning facilities, as well as more varied learning strategies to optimally support the development of students' learning independence.